311 E McElroy Rd, Stillwater, OK 74075 Property Records

Payne County property record for 311 E McElroy Rd, Stillwater, OK 74075

Property Summary

Property Type	Bank, Financial Building
Details	11,179 sqft · built 1991
Lot Size	2 acres (87,120 sqft)
Owner	Company Name on File
Last Sale	$400,000 (Apr 2024)
Tax Bill	$33,479 (2025)
Deeds & Mortgages	Mar 2023 Construction Loan Mar 2023 Sale & Construction Loan + 5 more
Flood Zone	Zone X (minimal risk)
APN	`19N02E-14-1-SZ999-000-0010`

Property Details

APN / Parcel Number

Primary APN	`19N02E-14-1-SZ999-000-0010`
Alternative APNs	`600010977` `10977`

Interior

Stories	12 Stories
Building Area	11,179 sqft Total Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Other
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	87,120 sqft (2 acres)
Porch	Covered Porch
Porch Area	188 sqft
Canopy	2,449 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Other

Location & Zoning

Account Number	10977
Street Address	311 E MCELROY RD
City	STILLWATER
State	OK
Zip	74075-3815
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	MISC TR 14-19N-02E A-10 (2ACM/L) N 2 AC N/2 NE/4 NE/4 LYING E OF C/L BOOMER CRK & W OF ATSF RR R/W LESS N 50' & LESS E 35'
Legal Range	02E
Legal Township	19N
Legal Section	14
Legal Subdivision	MISC TR STILLWATER
Legal Tract	14
Legal Lot Number	10
Jurisdiction	PAYNE OK
Township / Civil Division	STILLWATER
Census Block Group	1
Census Block	1001
Census Tract	10501

Owner

Source: Payne County assessment roll, as of February 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	311 E MCELROY RD, STILLWATER, OK 74075-3815
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Deed of Trust, Mortgage · Construction Mortgage OKLAHOMA COMMUNITY FCU
Mar 24, 2023	Warranty Deed, Construction Loan · Construction Mortgage OKLAHOMA COMMUNITY FCU
Jun 10, 2022	Deed of Trust, Mortgage · Construction Mortgage OKLAHOMA COMMUNITY FCU
Nov 18, 2021	Deed of Trust, Mortgage · Construction Mortgage OKLAHOMA COMMUNITY FCU
Mar 31, 2021	Deed of Trust, Mortgage · Construction Mortgage UNIVERSITY & COMMUNITY FCU
Mar 25, 2021	Deed of Trust, Mortgage · Construction Mortgage UNIVERSITY & COMMUNITY FCU
Apr 25, 2019	Deed of Trust, Mortgage · Construction Mortgage UNIVERSITY & COMMUNITY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 4, 2024 · Amount on Record
Deed Sale	Apr 4, 2024 · Amount on Record
Prior Sale	Feb 1, 2024 · Amount on Record
Deed Document Number	20242814
Deed Book / Page	2794 / 155
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	311 E MCELROY RD, STILLWATER, OK 74075-3815
Transaction Type	Mortgage
Record Updated	Apr 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027400132
Date	Mar 7, 2023
Book Page	2740/132
Instrument	I-2023-001993

Lender

Name	OKLAHOMA COMMUNITY FCU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	PAYNE OK
Recording Date	Mar 24, 2023
Property Address	311 E MCELROY RD, STILLWATER, OK 74075-3815
Document Number	0027420041
Book / Page	2742 / 41
Instrument Date	Mar 23, 2023
Instrument	I-2023-002563
Transaction Type	Construction Loan
Record Updated	Apr 18, 2023
Title Company	NOT AVAILABLE, OCTS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2557, STILLWATER, OK 74076-2557
Investor	Possibly a Property Investor

Mortgage

Document Number	I2023002564
Date	Mar 24, 2023
Instrument	I-2023-002564

Lender

Name	OKLAHOMA COMMUNITY FCU
Type	Credit Union

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate	8%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	311 E MCELROY RD, STILLWATER, OK 74075-3815
Transaction Type	Mortgage
Record Updated	Jun 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027010483
Date	Jun 10, 2022
Book Page	2701/483
Instrument	I-2022-006723

Lender

Name	OKLAHOMA COMMUNITY FCU
Type	Credit Union
Address	STILLWATER, OK 74075

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	311 E MCELROY RD, STILLWATER, OK 74075-3815
Transaction Type	Mortgage
Record Updated	Dec 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026650997
Date	Nov 18, 2021
Book Page	2665/997
Instrument	2021-124882

Lender

Name	OKLAHOMA COMMUNITY FCU
Type	Credit Union
Address	STILLWATER, OK 74075

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	311 E MCELROY RD, STILLWATER, OK 74075-3815
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026210792
Date	Mar 31, 2021
Book Page	2621/792
Instrument	2021-003962

Lender

Name	UNIVERSITY & COMMUNITY FCU
Type	Credit Union
Address	STILLWATER, OK 74075

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	311 E MCELROY RD, STILLWATER, OK 74075-3815
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026200835
Date	Mar 25, 2021
Book Page	2620/835
Instrument	2021-003729

Lender

Name	UNIVERSITY & COMMUNITY FCU
Type	Credit Union
Address	STILLWATER, OK 74075

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate	3.33%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PAYNE OK
Property Address	311 E MCELROY RD, STILLWATER, OK 74075-3815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025040544
Date	Apr 25, 2019
Book Page	2504/544
Instrument	2019-003884

Lender

Name	UNIVERSITY & COMMUNITY FCU
Type	Credit Union
Address	STILLWATER, OK 74075

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Payne County assessment roll, as of February 6, 2026

Property Jurisdictions

Type	Name
State	Oklahoma
County	Payne County
Municipality	Stillwater City
Unified School District	Stillwater Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$33,479.00 (+23.3%)	$267,033 (-) Land $44,692 Building $222,341
2024	$27,152.00 (-4.39%)	$267,033 (-4.59%) Land $44,692 Building $222,341	$2,342,400 (-13.49%) Land $392,040 Building $1,950,360
2023	$28,400.00 (+5.25%)	$279,887 (+5%) Land $40,522 Building $239,365	$2,707,800 (+1.18%) Land $392,040 Building $2,315,760
2022	$26,984.00	$266,559 Land $35,145 Building $231,414	$2,676,120 Land $352,840 Building $2,323,280

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 22, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of Oklahoma
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	STILLWATER UTILITIES AUTHORITY serves 53,000 people · EPA ID OK1021220
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Feb 2023 Turbidity resolved · Oct 2018
Treatment and Procedure	Organic carbon removal Oct 2022
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Clarity Telecom Fiber	5,000 / 5,000
Optimum Communications Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

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